NED Results Neutral

NEDBANK GROUP LIMITED - Unaudited Interim Financial Results for the 6 Months ended 30 June 2026 and Cash Dividend Declaration

Nedbank Group Limited
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What this filing means

A mixed result with genuine underlying positives obscured by legitimate balance-sheet concerns. Preliminary headline earnings were essentially flat at +0.1%, but excluding the disposed ETI associate income, underlying HE growth was reported at 12% on revenue up 6% to R38.2bn — real operational momentum beneath the headline. The offsetting concern is a 14 bps deterioration in the credit loss ratio to 95 bps and a 50 bps decline in the CET1 ratio, raising asset-quality and capital questions. The…

Bull case

  • Excluding the disposed ETI associate, underlying HE growth was 12% on revenue up 6% to R38.2bn, evidencing real operational momentum beneath the flat headline print.
  • Cost-to-income ratio improved to 56.2% from 56.9%, with expenses contained at +3% against revenue +6% — a positive jaws outcome.

Bear case

  • Credit loss ratio worsened to 95 bps from 81 bps, a 14 bps jump in impairments that signals rising asset-quality risk.
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Category
Results
Event posture
No Edge
Published
Aug 4, 2026

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